This sounds like a SWAN (sleep well at night) question.
If you're considering market timing at 100% stocks, then it might be prudent to adjust your AA to a point where you don't consider market timing. When you can ignore market fluctuations and valuations, and still sleep well at night, you're probably where you need to be.
To me, the key is to make peace with not 100% optimizing potential future growth, trading off a bit of that bumpy, stressful growth potential for a smoother ride, as a previous commenter said.
It's okay to leave a little money on the table if doing so improves your life. The money exists to serve your life, not the other way around.
If you're considering market timing at 100% stocks, then it might be prudent to adjust your AA to a point where you don't consider market timing. When you can ignore market fluctuations and valuations, and still sleep well at night, you're probably where you need to be.
To me, the key is to make peace with not 100% optimizing potential future growth, trading off a bit of that bumpy, stressful growth potential for a smoother ride, as a previous commenter said.
It's okay to leave a little money on the table if doing so improves your life. The money exists to serve your life, not the other way around.
Statistics: Posted by CookieDough — Sat Feb 10, 2024 3:41 pm